It's your advisor's job to help figure out where that sweet spot is. "A real advisor should be the thing between YOU and the BIG MISTAKE," Richards tweeted along with this sketch.

"Even after you figure out the math around a decision, you have to navigate the emotional complexity that comes with money," Richards writes on his website. The best financial moves are usually very simple.

And the way our financial system works, even if you're making great decisions, you still might not see the returns you expect.

No matter how complicated investing may get, some things (like behavior) matter more than others (timing the market).

Your portfolio design is one of the things that matters. "A well-designed portfolio can be the difference between good investment outcomes and disappointment," Richards wrote in the Times. The elements, like those shown below, should create one cohesive unit.